Dataset statistics
| Number of variables | 14 |
|---|---|
| Number of observations | 525 |
| Missing cells | 0 |
| Missing cells (%) | 0.0% |
| Duplicate rows | 0 |
| Duplicate rows (%) | 0.0% |
| Total size in memory | 61.5 KiB |
| Average record size in memory | 120.0 B |
Variable types
| NUM | 10 |
|---|---|
| CAT | 4 |
Reproduction
| Analysis started | 2021-03-21 13:44:01.672070 |
|---|---|
| Analysis finished | 2021-03-21 13:44:37.700134 |
| Duration | 36.03 seconds |
| Version | pandas-profiling v2.8.0 |
| Command line | pandas_profiling --config_file config.yaml [YOUR_FILE.csv] |
| Download configuration | config.yaml |
Loan_Purpose has 12 (2.3%) zeros | Zeros |
Loan_Amount
Real number (ℝ≥0)
| Distinct count | 145 |
|---|---|
| Unique (%) | 27.6% |
| Missing | 0 |
| Missing (%) | 0.0% |
| Infinite | 0 |
| Infinite (%) | 0.0% |
| Mean | 11641.142857142857 |
|---|---|
| Minimum | 1000.0 |
| Maximum | 35000.0 |
| Zeros | 0 |
| Zeros (%) | 0.0% |
| Memory size | 4.1 KiB |
Quantile statistics
| Minimum | 1000 |
|---|---|
| 5-th percentile | 3000 |
| Q1 | 6600 |
| median | 10000 |
| Q3 | 15000 |
| 95-th percentile | 25000 |
| Maximum | 35000 |
| Range | 34000 |
| Interquartile range (IQR) | 8400 |
Descriptive statistics
| Standard deviation | 6929.03764 |
|---|---|
| Coefficient of variation (CV) | 0.595219707 |
| Kurtosis | 1.196164829 |
| Mean | 11641.14286 |
| Median Absolute Deviation (MAD) | 4000 |
| Skewness | 1.118736261 |
| Sum | 6111600 |
| Variance | 48011562.62 |
| Value | Count | Frequency (%) | |
| 10000 | 50 | 9.5% | |
| 12000 | 47 | 9.0% | |
| 8000 | 24 | 4.6% | |
| 15000 | 21 | 4.0% | |
| 6000 | 20 | 3.8% | |
| 5000 | 18 | 3.4% | |
| 7000 | 15 | 2.9% | |
| 20000 | 15 | 2.9% | |
| 4000 | 14 | 2.7% | |
| 18000 | 11 | 2.1% | |
| Other values (135) | 290 | 55.2% |
| Value | Count | Frequency (%) | |
| 1000 | 2 | 0.4% | |
| 1400 | 1 | 0.2% | |
| 1500 | 2 | 0.4% | |
| 1700 | 1 | 0.2% | |
| 1800 | 1 | 0.2% |
| Value | Count | Frequency (%) | |
| 35000 | 8 | 1.5% | |
| 33425 | 1 | 0.2% | |
| 31825 | 1 | 0.2% | |
| 30000 | 2 | 0.4% | |
| 28000 | 7 | 1.3% |
Term
Categorical
| Distinct count | 2 |
|---|---|
| Unique (%) | 0.4% |
| Missing | 0 |
| Missing (%) | 0.0% |
| Memory size | 4.1 KiB |
| 36 | |
|---|---|
| 60 | 87 |
| Value | Count | Frequency (%) | |
| 36 | 438 | 83.4% | |
| 60 | 87 | 16.6% |
Length
| Max length | 4 |
|---|---|
| Median length | 4 |
| Mean length | 4 |
| Min length | 4 |
Interest_Rate
Real number (ℝ≥0)
| Distinct count | 29 |
|---|---|
| Unique (%) | 5.5% |
| Missing | 0 |
| Missing (%) | 0.0% |
| Infinite | 0 |
| Infinite (%) | 0.0% |
| Mean | 12.343171369285846 |
|---|---|
| Minimum | 6.03 |
| Maximum | 21.67 |
| Zeros | 0 |
| Zeros (%) | 0.0% |
| Memory size | 4.1 KiB |
Quantile statistics
| Minimum | 6.03 |
|---|---|
| 5-th percentile | 6.62 |
| Q1 | 9.91 |
| median | 12.42 |
| Q3 | 14.65 |
| 95-th percentile | 19.03 |
| Maximum | 21.67 |
| Range | 15.64 |
| Interquartile range (IQR) | 4.74 |
Descriptive statistics
| Standard deviation | 3.712685564 |
|---|---|
| Coefficient of variation (CV) | 0.3007886266 |
| Kurtosis | -0.569513397 |
| Mean | 12.34317137 |
| Median Absolute Deviation (MAD) | 2.51 |
| Skewness | 0.2798869845 |
| Sum | 6480.164969 |
| Variance | 13.7840341 |
| Value | Count | Frequency (%) | |
| 11.71 | 49 | 9.3% | |
| 12.42 | 46 | 8.8% | |
| 9.91 | 42 | 8.0% | |
| 7.9 | 39 | 7.4% | |
| 12.69 | 33 | 6.3% | |
| 10.65 | 32 | 6.1% | |
| 13.49 | 30 | 5.7% | |
| 8.9 | 27 | 5.1% | |
| 7.51 | 21 | 4.0% | |
| 14.65 | 20 | 3.8% | |
| Other values (19) | 186 | 35.4% |
| Value | Count | Frequency (%) | |
| 6.03 | 19 | 3.6% | |
| 6.62 | 19 | 3.6% | |
| 7.51 | 21 | 4.0% | |
| 7.9 | 39 | 7.4% | |
| 8.9 | 27 | 5.1% |
| Value | Count | Frequency (%) | |
| 21.67 | 2 | 0.4% | |
| 21.28 | 4 | 0.8% | |
| 20.89 | 2 | 0.4% | |
| 20.3 | 4 | 0.8% | |
| 20.02496888 | 1 | 0.2% |
Employment_Years
Real number (ℝ≥0)
| Distinct count | 19 |
|---|---|
| Unique (%) | 3.6% |
| Missing | 0 |
| Missing (%) | 0.0% |
| Infinite | 0 |
| Infinite (%) | 0.0% |
| Mean | 5.284646470293333 |
|---|---|
| Minimum | 0.5 |
| Maximum | 10.0 |
| Zeros | 0 |
| Zeros (%) | 0.0% |
| Memory size | 4.1 KiB |
Quantile statistics
| Minimum | 0.5 |
|---|---|
| 5-th percentile | 0.5 |
| Q1 | 2 |
| median | 5 |
| Q3 | 9 |
| 95-th percentile | 10 |
| Maximum | 10 |
| Range | 9.5 |
| Interquartile range (IQR) | 7 |
Descriptive statistics
| Standard deviation | 3.373365671 |
|---|---|
| Coefficient of variation (CV) | 0.6383332717 |
| Kurtosis | -1.381835628 |
| Mean | 5.28464647 |
| Median Absolute Deviation (MAD) | 3 |
| Skewness | 0.176229441 |
| Sum | 2774.439397 |
| Variance | 11.37959595 |
| Value | Count | Frequency (%) | |
| 10 | 121 | 23.0% | |
| 2 | 60 | 11.4% | |
| 5 | 54 | 10.3% | |
| 3 | 52 | 9.9% | |
| 1 | 45 | 8.6% | |
| 4 | 44 | 8.4% | |
| 0.5 | 40 | 7.6% | |
| 6 | 34 | 6.5% | |
| 7 | 25 | 4.8% | |
| 8 | 22 | 4.2% | |
| Other values (9) | 28 | 5.3% |
| Value | Count | Frequency (%) | |
| 0.5 | 40 | 7.6% | |
| 1 | 45 | 8.6% | |
| 2 | 60 | 11.4% | |
| 3 | 52 | 9.9% | |
| 4 | 44 | 8.4% |
| Value | Count | Frequency (%) | |
| 10 | 121 | 23.0% | |
| 9 | 20 | 3.8% | |
| 8 | 22 | 4.2% | |
| 7 | 25 | 4.8% | |
| 6.539618118 | 1 | 0.2% |
Home_Ownership
Categorical
| Distinct count | 3 |
|---|---|
| Unique (%) | 0.6% |
| Missing | 0 |
| Missing (%) | 0.0% |
| Memory size | 4.1 KiB |
| 2 | |
|---|---|
| 0 | |
| 1 | 42 |
| Value | Count | Frequency (%) | |
| 2 | 314 | 59.8% | |
| 0 | 169 | 32.2% | |
| 1 | 42 | 8.0% |
Length
| Max length | 3 |
|---|---|
| Median length | 3 |
| Mean length | 3 |
| Min length | 3 |
Annual_Income
Real number (ℝ≥0)
| Distinct count | 188 |
|---|---|
| Unique (%) | 35.8% |
| Missing | 0 |
| Missing (%) | 0.0% |
| Infinite | 0 |
| Infinite (%) | 0.0% |
| Mean | 57183.21710171768 |
|---|---|
| Minimum | 12000.0 |
| Maximum | 126000.0 |
| Zeros | 0 |
| Zeros (%) | 0.0% |
| Memory size | 4.1 KiB |
Quantile statistics
| Minimum | 12000 |
|---|---|
| 5-th percentile | 26016 |
| Q1 | 40000 |
| median | 52800 |
| Q3 | 72800 |
| 95-th percentile | 100400 |
| Maximum | 126000 |
| Range | 114000 |
| Interquartile range (IQR) | 32800 |
Descriptive statistics
| Standard deviation | 23418.98416 |
|---|---|
| Coefficient of variation (CV) | 0.4095429629 |
| Kurtosis | 0.009479602472 |
| Mean | 57183.2171 |
| Median Absolute Deviation (MAD) | 16800 |
| Skewness | 0.6703914849 |
| Sum | 30021188.98 |
| Variance | 548448819.1 |
| Value | Count | Frequency (%) | |
| 50000 | 23 | 4.4% | |
| 75000 | 22 | 4.2% | |
| 40000 | 21 | 4.0% | |
| 30000 | 20 | 3.8% | |
| 60000 | 18 | 3.4% | |
| 80000 | 16 | 3.0% | |
| 70000 | 15 | 2.9% | |
| 35000 | 14 | 2.7% | |
| 42000 | 13 | 2.5% | |
| 65000 | 12 | 2.3% | |
| Other values (178) | 351 | 66.9% |
| Value | Count | Frequency (%) | |
| 12000 | 1 | 0.2% | |
| 12252 | 1 | 0.2% | |
| 15000 | 3 | 0.6% | |
| 17000 | 1 | 0.2% | |
| 17108 | 1 | 0.2% |
| Value | Count | Frequency (%) | |
| 126000 | 1 | 0.2% | |
| 125000 | 1 | 0.2% | |
| 120000 | 8 | 1.5% | |
| 118000 | 1 | 0.2% | |
| 116400 | 1 | 0.2% |
Verification_Status
Categorical
| Distinct count | 3 |
|---|---|
| Unique (%) | 0.6% |
| Missing | 0 |
| Missing (%) | 0.0% |
| Memory size | 4.1 KiB |
| 2 | |
|---|---|
| 0 | |
| 1 |
| Value | Count | Frequency (%) | |
| 2 | 218 | 41.5% | |
| 0 | 173 | 33.0% | |
| 1 | 134 | 25.5% |
Length
| Max length | 3 |
|---|---|
| Median length | 3 |
| Mean length | 3 |
| Min length | 3 |
| Distinct count | 86 |
|---|---|
| Unique (%) | 16.4% |
| Missing | 0 |
| Missing (%) | 0.0% |
| Infinite | 0 |
| Infinite (%) | 0.0% |
| Mean | 1.6974929286437432 |
|---|---|
| Minimum | 0.0 |
| Maximum | 3.0 |
| Zeros | 12 |
| Zeros (%) | 2.3% |
| Memory size | 4.1 KiB |
Quantile statistics
| Minimum | 0 |
|---|---|
| 5-th percentile | 1 |
| Q1 | 1 |
| median | 2 |
| Q3 | 2 |
| 95-th percentile | 2 |
| Maximum | 3 |
| Range | 3 |
| Interquartile range (IQR) | 1 |
Descriptive statistics
| Standard deviation | 0.5524475004 |
|---|---|
| Coefficient of variation (CV) | 0.3254490732 |
| Kurtosis | 0.9830081418 |
| Mean | 1.697492929 |
| Median Absolute Deviation (MAD) | 0 |
| Skewness | -0.54875092 |
| Sum | 891.1837875 |
| Variance | 0.3051982406 |
| Value | Count | Frequency (%) | |
| 2 | 281 | 53.5% | |
| 1 | 129 | 24.6% | |
| 3 | 21 | 4.0% | |
| 0 | 12 | 2.3% | |
| 1.874656817 | 1 | 0.2% | |
| 1.487353174 | 1 | 0.2% | |
| 1.596976787 | 1 | 0.2% | |
| 1.517044241 | 1 | 0.2% | |
| 1.833574079 | 1 | 0.2% | |
| 1.637193473 | 1 | 0.2% | |
| Other values (76) | 76 | 14.5% |
| Value | Count | Frequency (%) | |
| 0 | 12 | 2.3% | |
| 1 | 129 | 24.6% | |
| 1.461306284 | 1 | 0.2% | |
| 1.474568889 | 1 | 0.2% | |
| 1.475726948 | 1 | 0.2% |
| Value | Count | Frequency (%) | |
| 3 | 21 | 4.0% | |
| 2.110644122 | 1 | 0.2% | |
| 2 | 281 | 53.5% | |
| 1.934962561 | 1 | 0.2% | |
| 1.874656817 | 1 | 0.2% |
State
Real number (ℝ≥0)
| Distinct count | 40 |
|---|---|
| Unique (%) | 7.6% |
| Missing | 0 |
| Missing (%) | 0.0% |
| Infinite | 0 |
| Infinite (%) | 0.0% |
| Mean | 16.432380952380953 |
|---|---|
| Minimum | 0.0 |
| Maximum | 39.0 |
| Zeros | 2 |
| Zeros (%) | 0.4% |
| Memory size | 4.1 KiB |
Quantile statistics
| Minimum | 0 |
|---|---|
| 5-th percentile | 4 |
| Q1 | 4 |
| median | 14 |
| Q3 | 26 |
| 95-th percentile | 37 |
| Maximum | 39 |
| Range | 39 |
| Interquartile range (IQR) | 22 |
Descriptive statistics
| Standard deviation | 11.78179874 |
|---|---|
| Coefficient of variation (CV) | 0.716986709 |
| Kurtosis | -1.350402243 |
| Mean | 16.43238095 |
| Median Absolute Deviation (MAD) | 10 |
| Skewness | 0.3562846932 |
| Sum | 8627 |
| Variance | 138.8107815 |
| Value | Count | Frequency (%) | |
| 4 | 129 | 24.6% | |
| 25 | 42 | 8.0% | |
| 8 | 39 | 7.4% | |
| 33 | 35 | 6.7% | |
| 22 | 23 | 4.4% | |
| 9 | 20 | 3.8% | |
| 11 | 20 | 3.8% | |
| 37 | 19 | 3.6% | |
| 26 | 18 | 3.4% | |
| 29 | 18 | 3.4% | |
| Other values (30) | 162 | 30.9% |
| Value | Count | Frequency (%) | |
| 0 | 2 | 0.4% | |
| 1 | 2 | 0.4% | |
| 2 | 5 | 1.0% | |
| 3 | 16 | 3.0% | |
| 4 | 129 | 24.6% |
| Value | Count | Frequency (%) | |
| 39 | 3 | 0.6% | |
| 38 | 8 | 1.5% | |
| 37 | 19 | 3.6% | |
| 36 | 1 | 0.2% | |
| 35 | 14 | 2.7% |
Debt_to_Income
Real number (ℝ≥0)
| Distinct count | 472 |
|---|---|
| Unique (%) | 89.9% |
| Missing | 0 |
| Missing (%) | 0.0% |
| Infinite | 0 |
| Infinite (%) | 0.0% |
| Mean | 14.414971428571429 |
|---|---|
| Minimum | 0.72 |
| Maximum | 29.85 |
| Zeros | 0 |
| Zeros (%) | 0.0% |
| Memory size | 4.1 KiB |
Quantile statistics
| Minimum | 0.72 |
|---|---|
| 5-th percentile | 4.066 |
| Q1 | 9.46 |
| median | 14.43 |
| Q3 | 19.71 |
| 95-th percentile | 24.38 |
| Maximum | 29.85 |
| Range | 29.13 |
| Interquartile range (IQR) | 10.25 |
Descriptive statistics
| Standard deviation | 6.470240378 |
|---|---|
| Coefficient of variation (CV) | 0.4488555811 |
| Kurtosis | -0.7899920857 |
| Mean | 14.41497143 |
| Median Absolute Deviation (MAD) | 5.2 |
| Skewness | 0.01779949874 |
| Sum | 7567.86 |
| Variance | 41.86401054 |
| Value | Count | Frequency (%) | |
| 10 | 3 | 0.6% | |
| 13.22 | 3 | 0.6% | |
| 15.8 | 2 | 0.4% | |
| 7.98 | 2 | 0.4% | |
| 5.5 | 2 | 0.4% | |
| 11.93 | 2 | 0.4% | |
| 21.01 | 2 | 0.4% | |
| 14.43 | 2 | 0.4% | |
| 18.79 | 2 | 0.4% | |
| 13 | 2 | 0.4% | |
| Other values (462) | 503 | 95.8% |
| Value | Count | Frequency (%) | |
| 0.72 | 1 | 0.2% | |
| 0.78 | 1 | 0.2% | |
| 0.94 | 1 | 0.2% | |
| 0.98 | 1 | 0.2% | |
| 1 | 1 | 0.2% |
| Value | Count | Frequency (%) | |
| 29.85 | 1 | 0.2% | |
| 29.44 | 1 | 0.2% | |
| 29.04 | 1 | 0.2% | |
| 28.4 | 1 | 0.2% | |
| 28.06 | 1 | 0.2% |
Delinquent_2yr
Categorical
| Distinct count | 4 |
|---|---|
| Unique (%) | 0.8% |
| Missing | 0 |
| Missing (%) | 0.0% |
| Memory size | 4.1 KiB |
| 0 | |
|---|---|
| 1 | 21 |
| 2 | 5 |
| 3 | 1 |
| Value | Count | Frequency (%) | |
| 0 | 498 | 94.9% | |
| 1 | 21 | 4.0% | |
| 2 | 5 | 1.0% | |
| 3 | 1 | 0.2% |
Length
| Max length | 3 |
|---|---|
| Median length | 3 |
| Mean length | 3 |
| Min length | 3 |
Revolving_Cr_Util
Real number (ℝ≥0)
| Distinct count | 395 |
|---|---|
| Unique (%) | 75.2% |
| Missing | 0 |
| Missing (%) | 0.0% |
| Infinite | 0 |
| Infinite (%) | 0.0% |
| Mean | 62.88081904761905 |
|---|---|
| Minimum | 0.1 |
| Maximum | 99.8 |
| Zeros | 0 |
| Zeros (%) | 0.0% |
| Memory size | 4.1 KiB |
Quantile statistics
| Minimum | 0.1 |
|---|---|
| 5-th percentile | 13.5 |
| Q1 | 47.6 |
| median | 67.2 |
| Q3 | 82.3 |
| 95-th percentile | 94.76 |
| Maximum | 99.8 |
| Range | 99.7 |
| Interquartile range (IQR) | 34.7 |
Descriptive statistics
| Standard deviation | 24.53060893 |
|---|---|
| Coefficient of variation (CV) | 0.390112745 |
| Kurtosis | -0.4375928482 |
| Mean | 62.88081905 |
| Median Absolute Deviation (MAD) | 16.5 |
| Skewness | -0.6481571639 |
| Sum | 33012.43 |
| Variance | 601.7507743 |
| Value | Count | Frequency (%) | |
| 74.9 | 6 | 1.1% | |
| 55.5 | 4 | 0.8% | |
| 83.7 | 4 | 0.8% | |
| 91.2 | 4 | 0.8% | |
| 82.9 | 3 | 0.6% | |
| 79.5 | 3 | 0.6% | |
| 90.8 | 3 | 0.6% | |
| 83.5 | 3 | 0.6% | |
| 65 | 3 | 0.6% | |
| 33.3 | 3 | 0.6% | |
| Other values (385) | 489 | 93.1% |
| Value | Count | Frequency (%) | |
| 0.1 | 1 | 0.2% | |
| 0.6 | 1 | 0.2% | |
| 1.4 | 1 | 0.2% | |
| 3.2 | 2 | 0.4% | |
| 4 | 1 | 0.2% |
| Value | Count | Frequency (%) | |
| 99.8 | 1 | 0.2% | |
| 99.3 | 1 | 0.2% | |
| 99 | 2 | 0.4% | |
| 98.5 | 1 | 0.2% | |
| 98.1 | 1 | 0.2% |
Total_Accounts
Real number (ℝ≥0)
| Distinct count | 48 |
|---|---|
| Unique (%) | 9.1% |
| Missing | 0 |
| Missing (%) | 0.0% |
| Infinite | 0 |
| Infinite (%) | 0.0% |
| Mean | 19.98857142857143 |
|---|---|
| Minimum | 3.0 |
| Maximum | 79.0 |
| Zeros | 0 |
| Zeros (%) | 0.0% |
| Memory size | 4.1 KiB |
Quantile statistics
| Minimum | 3 |
|---|---|
| 5-th percentile | 7 |
| Q1 | 13 |
| median | 18 |
| Q3 | 26 |
| 95-th percentile | 38 |
| Maximum | 79 |
| Range | 76 |
| Interquartile range (IQR) | 13 |
Descriptive statistics
| Standard deviation | 9.868402369 |
|---|---|
| Coefficient of variation (CV) | 0.493702234 |
| Kurtosis | 2.784835567 |
| Mean | 19.98857143 |
| Median Absolute Deviation (MAD) | 6 |
| Skewness | 1.183716282 |
| Sum | 10494 |
| Variance | 97.38536532 |
| Value | Count | Frequency (%) | |
| 18 | 31 | 5.9% | |
| 11 | 29 | 5.5% | |
| 13 | 27 | 5.1% | |
| 14 | 27 | 5.1% | |
| 12 | 26 | 5.0% | |
| 15 | 23 | 4.4% | |
| 23 | 22 | 4.2% | |
| 10 | 22 | 4.2% | |
| 19 | 22 | 4.2% | |
| 21 | 21 | 4.0% | |
| Other values (38) | 275 | 52.4% |
| Value | Count | Frequency (%) | |
| 3 | 5 | 1.0% | |
| 4 | 2 | 0.4% | |
| 5 | 3 | 0.6% | |
| 6 | 6 | 1.1% | |
| 7 | 13 | 2.5% |
| Value | Count | Frequency (%) | |
| 79 | 1 | 0.2% | |
| 61 | 1 | 0.2% | |
| 56 | 1 | 0.2% | |
| 51 | 2 | 0.4% | |
| 50 | 1 | 0.2% |
Longest_Credit_Length
Real number (ℝ≥0)
| Distinct count | 31 |
|---|---|
| Unique (%) | 5.9% |
| Missing | 0 |
| Missing (%) | 0.0% |
| Infinite | 0 |
| Infinite (%) | 0.0% |
| Mean | 12.03047619047619 |
|---|---|
| Minimum | 3.0 |
| Maximum | 40.0 |
| Zeros | 0 |
| Zeros (%) | 0.0% |
| Memory size | 4.1 KiB |
Quantile statistics
| Minimum | 3 |
|---|---|
| 5-th percentile | 5 |
| Q1 | 8 |
| median | 11 |
| Q3 | 15 |
| 95-th percentile | 24.8 |
| Maximum | 40 |
| Range | 37 |
| Interquartile range (IQR) | 7 |
Descriptive statistics
| Standard deviation | 5.987823583 |
|---|---|
| Coefficient of variation (CV) | 0.4977212446 |
| Kurtosis | 1.929481763 |
| Mean | 12.03047619 |
| Median Absolute Deviation (MAD) | 3 |
| Skewness | 1.266057958 |
| Sum | 6316 |
| Variance | 35.85403126 |
| Value | Count | Frequency (%) | |
| 11 | 60 | 11.4% | |
| 9 | 49 | 9.3% | |
| 13 | 41 | 7.8% | |
| 10 | 39 | 7.4% | |
| 7 | 35 | 6.7% | |
| 6 | 34 | 6.5% | |
| 5 | 32 | 6.1% | |
| 8 | 30 | 5.7% | |
| 12 | 29 | 5.5% | |
| 15 | 23 | 4.4% | |
| Other values (21) | 153 | 29.1% |
| Value | Count | Frequency (%) | |
| 3 | 4 | 0.8% | |
| 4 | 16 | 3.0% | |
| 5 | 32 | 6.1% | |
| 6 | 34 | 6.5% | |
| 7 | 35 | 6.7% |
| Value | Count | Frequency (%) | |
| 40 | 1 | 0.2% | |
| 33 | 1 | 0.2% | |
| 32 | 2 | 0.4% | |
| 31 | 2 | 0.4% | |
| 30 | 6 | 1.1% |
Pearson's r
The Pearson's correlation coefficient (r) is a measure of linear correlation between two variables. It's value lies between -1 and +1, -1 indicating total negative linear correlation, 0 indicating no linear correlation and 1 indicating total positive linear correlation. Furthermore, r is invariant under separate changes in location and scale of the two variables, implying that for a linear function the angle to the x-axis does not affect r.To calculate r for two variables X and Y, one divides the covariance of X and Y by the product of their standard deviations.
Spearman's ρ
The Spearman's rank correlation coefficient (ρ) is a measure of monotonic correlation between two variables, and is therefore better in catching nonlinear monotonic correlations than Pearson's r. It's value lies between -1 and +1, -1 indicating total negative monotonic correlation, 0 indicating no monotonic correlation and 1 indicating total positive monotonic correlation.To calculate ρ for two variables X and Y, one divides the covariance of the rank variables of X and Y by the product of their standard deviations.
Kendall's τ
Similarly to Spearman's rank correlation coefficient, the Kendall rank correlation coefficient (τ) measures ordinal association between two variables. It's value lies between -1 and +1, -1 indicating total negative correlation, 0 indicating no correlation and 1 indicating total positive correlation.To calculate τ for two variables X and Y, one determines the number of concordant and discordant pairs of observations. τ is given by the number of concordant pairs minus the discordant pairs divided by the total number of pairs.
Phik (φk)
Phik (φk) is a new and practical correlation coefficient that works consistently between categorical, ordinal and interval variables, captures non-linear dependency and reverts to the Pearson correlation coefficient in case of a bivariate normal input distribution. There is extensive documentation available here.Cramér's V (φc)
Cramér's V is an association measure for nominal random variables. The coefficient ranges from 0 to 1, with 0 indicating independence and 1 indicating perfect association. The empirical estimators used for Cramér's V have been proved to be biased, even for large samples. We use a bias-corrected measure that has been proposed by Bergsma in 2013 that can be found here.First rows
| Loan_Amount | Term | Interest_Rate | Employment_Years | Home_Ownership | Annual_Income | Verification_Status | Loan_Purpose | State | Debt_to_Income | Delinquent_2yr | Revolving_Cr_Util | Total_Accounts | Longest_Credit_Length | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 0 | 5000.0 | 36.0 | 10.65 | 10.0 | 2.0 | 24000.0 | 0.0 | 1.000000 | 3.0 | 27.65 | 0.0 | 83.7 | 9.0 | 26.0 |
| 1 | 2500.0 | 60.0 | 15.27 | 0.5 | 2.0 | 30000.0 | 1.0 | 0.000000 | 9.0 | 1.00 | 0.0 | 9.4 | 4.0 | 12.0 |
| 2 | 2400.0 | 36.0 | 15.96 | 10.0 | 2.0 | 12252.0 | 2.0 | 1.506078 | 11.0 | 8.72 | 0.0 | 98.5 | 10.0 | 10.0 |
| 3 | 10000.0 | 36.0 | 13.49 | 10.0 | 2.0 | 49200.0 | 1.0 | 1.836653 | 4.0 | 20.00 | 0.0 | 21.0 | 37.0 | 15.0 |
| 4 | 5000.0 | 36.0 | 7.90 | 3.0 | 2.0 | 36000.0 | 1.0 | 1.726140 | 3.0 | 11.20 | 0.0 | 28.3 | 12.0 | 7.0 |
| 5 | 3000.0 | 36.0 | 18.64 | 9.0 | 2.0 | 48000.0 | 1.0 | 0.000000 | 4.0 | 5.35 | 0.0 | 87.5 | 4.0 | 4.0 |
| 6 | 5600.0 | 60.0 | 21.28 | 4.0 | 1.0 | 40000.0 | 1.0 | 1.723796 | 4.0 | 5.55 | 0.0 | 32.6 | 13.0 | 7.0 |
| 7 | 5375.0 | 60.0 | 12.69 | 0.5 | 2.0 | 15000.0 | 0.0 | 1.743263 | 33.0 | 18.08 | 0.0 | 36.5 | 3.0 | 7.0 |
| 8 | 6500.0 | 60.0 | 14.65 | 5.0 | 1.0 | 72000.0 | 2.0 | 2.000000 | 3.0 | 16.12 | 0.0 | 20.6 | 23.0 | 13.0 |
| 9 | 12000.0 | 36.0 | 12.69 | 10.0 | 1.0 | 75000.0 | 1.0 | 2.000000 | 4.0 | 10.78 | 0.0 | 67.1 | 34.0 | 22.0 |
Last rows
| Loan_Amount | Term | Interest_Rate | Employment_Years | Home_Ownership | Annual_Income | Verification_Status | Loan_Purpose | State | Debt_to_Income | Delinquent_2yr | Revolving_Cr_Util | Total_Accounts | Longest_Credit_Length | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 515 | 2000.0 | 36.0 | 9.91 | 10.0 | 2.0 | 24000.000000 | 2.0 | 1.589561 | 11.0 | 13.50 | 0.0 | 64.2 | 10.0 | 12.0 |
| 516 | 16800.0 | 36.0 | 14.65 | 2.0 | 2.0 | 60000.000000 | 0.0 | 1.000000 | 33.0 | 14.52 | 0.0 | 96.9 | 14.0 | 8.0 |
| 517 | 8000.0 | 36.0 | 8.90 | 3.0 | 0.0 | 120000.000000 | 2.0 | 1.000000 | 4.0 | 10.52 | 0.0 | 60.6 | 15.0 | 11.0 |
| 518 | 12000.0 | 60.0 | 12.69 | 9.0 | 0.0 | 57000.000000 | 2.0 | 2.000000 | 6.0 | 19.71 | 0.0 | 66.3 | 13.0 | 6.0 |
| 519 | 11000.0 | 36.0 | 7.90 | 4.0 | 0.0 | 80000.000000 | 2.0 | 1.000000 | 3.0 | 4.74 | 0.0 | 77.7 | 15.0 | 12.0 |
| 520 | 5000.0 | 36.0 | 16.29 | 6.0 | 0.0 | 85000.000000 | 1.0 | 1.482923 | 37.0 | 22.81 | 0.0 | 90.0 | 17.0 | 7.0 |
| 521 | 18000.0 | 36.0 | 16.29 | 10.0 | 1.0 | 65595.074274 | 0.0 | 2.000000 | 33.0 | 21.80 | 0.0 | 90.2 | 35.0 | 11.0 |
| 522 | 10000.0 | 36.0 | 12.69 | 6.0 | 1.0 | 36000.000000 | 0.0 | 2.000000 | 4.0 | 15.90 | 0.0 | 65.3 | 10.0 | 5.0 |
| 523 | 5000.0 | 36.0 | 9.91 | 0.5 | 2.0 | 70000.000000 | 1.0 | 1.000000 | 26.0 | 13.92 | 0.0 | 64.3 | 23.0 | 21.0 |
| 524 | 10000.0 | 36.0 | 16.29 | 4.0 | 2.0 | 51360.000000 | 1.0 | 1.000000 | 25.0 | 16.61 | 0.0 | 79.1 | 9.0 | 4.0 |